---------------------------------------------------------------
Rediscount Finance
SECOND AMENDED AND RESTATED
SCHEDULE TO
LOAN AND SECURITY AGREEMENT (D)
BORROWER: XXXXXXX INVESTMENT CORPORATION
TICO CREDIT COMPANY (MISSISSIPPI)
MODERN FINANCE COMPANY D/B/A TICO CREDIT COMPANY (OHIO)
TICO CREDIT COMPANY (KENTUCKY)
TICO CREDIT COMPANY (TENNESSEE)
SOUTHERN MANAGEMENT CORPORATION
MODERN FINANCIAL SERVICES, INC. D/B/A TICO FINANCIAL SERVICES
SOUTHERN FINANCE OF SOUTH CAROLINA, INC.
XXXXXXXXX CREDIT OF TEXAS, INC.
COVINGTON CREDIT OF GEORGIA, INC.
SOUTHERN FINANCE OF TENNESSEE, INC.
ADDRESS: 0000 XXXXXXXX XXXXXXX
XXXXXXXXX, XXXXX XXXXXXXX 00000
DATE: AUGUST 30, 1999
This Second Amended and Restated Schedule to Loan and Security
Agreement ("Second Amended Schedule") is executed in conjunction with a certain
Loan and Security Agreement ("Agreement"), dated January 25, 1999, and as an
amendment to and restatement of that Schedule to Loan and Security Agreement
("Original Schedule"), dated January 25, 1999, and that certain First Amended
and Restated Schedule to Loan and Security Agreement ("First Amended Schedule"),
dated June 7, 1999, by and between FINOVA Capital Corporation, as Lender, and
the borrowers named above (collectively referred to herein as the "Borrowers"
and singularly as "Borrower"), all of whose chief executive offices are located
at the above addresses (collectively referred to herein as "Borrowers'
Address"). Each Borrower shall be separately defined as set forth in the
Schedule. All representations, warranties, covenants, agreements, undertaking or
other obligations of Borrower as set forth in this Agreement and all other Loan
Documents are made by each Borrower as separately set forth for each Borrower in
this Agreement and the other Loan Documents. All financial covenants and ratios
set forth herein shall be applied to the Borrowers in the aggregate. All
references to Section numbers herein refer to Sections in the Agreement. The
terms and provisions of this Second Amended Schedule supercedes all prior
schedules.
-i-
On or about February 16, 1999, FirstPlus Consumer Finance of Kentucky,
Inc. filed with the State of Delaware a Certificate of Amendment changing its
name to TICO Credit Company.
On or about February 16, 1999, National Loans, Inc. filed with the
State of Mississippi Articles of Amendment changing its name to TICO Credit
Company.
On or about March 16, 1999, FirstPlus Consumer Finance of Tennessee,
Inc. filed with the State of Tennessee Articles of Amendment to the Charter
changing its name to TICO Credit Company.
On or about February 24, 1999, Modern Finance Company filed with the
State of Ohio a Trade Name Registration to use the name TICO Credit Company.
On or about February 24, 1999, Modern Financial Services, Inc. filed
with the State of Ohio a Trade Name Registration to use the name TICO Financial
Services.
TICO Credit Company, formerly known as FirstPlus Consumer Finance of
Tennessee, Inc.("TICO-Tennessee"), were added as co-borrowers, pursuant to the
First Amended Schedule and is included herein as a co-borrower. All references
to "Borrower" in the Agreement and all other Loan Documents, including but not
limited to this First Amended Schedule, shall include Xxxxxxx Investments,
TICO-Kentucky, TICO-Ohio, TICO Financial-Ohio, TICO-Mississippi, Southern
Management, Xxxxxxxxx-Texas, Covington-Georgia, Southern Finance-Tennessee and
Southern Finance-SC. and TICO-Tennessee, jointly and severally, except for those
provisions that specifically identify either Borrower separately.
Xxxxxxx Investments, TICO-Kentucky, TICO-Ohio, TICO Financial-Ohio,
TICO-Mississippi, Southern Management, Xxxxxxxxx-Texas, Covington-Georgia,
Southern Finance-Tennessee and Southern Finance-SC hereby acknowledge and agree
that TICO-Tennessee are added to the Agreement and all other Loan Documents, as
a co-borrower with Xxxxxxx Investments, TICO-Kentucky, TICO-Ohio, TICO
Financial-Ohio, TICO-Mississippi, Southern Management, Xxxxxxxxx-Texas,
Covington-Georgia, Southern Finance-Tennessee and Southern Finance-SC and
TICO-Tennessee assumes all obligations and liability as a co-borrower hereunder.
Xxxxxxx Investments, TICO-Kentucky, TICO-Ohio, TICO Financial-Ohio,
TICO-Mississippi, Southern Management, Xxxxxxxxx-Texas, Covington-Georgia,
Southern Finance-Tennessee, Southern Finance-SC and TICO-Tennessee additionally
acknowledge and agree that TICO-Tennessee shall receive a material consideration
and benefit for the credit facility evidenced by the Loan Documents.
================================================================================
1. BORROWERS (SECTION 1.).
Each Borrower shall be referred to herein as follows:
XXXXXXX INVESTMENT CORPORATION "Xxxxxxx Investment" or "Lead Borrower"
TICO Credit Company (Kentucky) "TICO-Kentucky"
Modern Finance Company d/b/a
TICO Credit Company (Ohio) "TICO-Ohio"
Modern Financial Services, Inc. d/b/a
TICO Financial Services (Ohio) "TICO Financial-Ohio"
TICO Credit Company (Mississippi) "TICO-Mississippi"
Southern Management Corporation "Southern Management"
TICO Credit Company (Tennessee) "TICO-Tennessee"
Xxxxxxxxx Credit of Texas, Inc. "Covington-Texas"
Xxxxxxxxx Credit of Georgia, Inc. "Covington-Georgia"
Southern Finance of Tennessee, Inc. "Southern Finance-Tennessee"
Southern Finance of South Carolina, Inc. "Southern Finance-SC"
-2-
================================================================================
1.11.A. MAXIMUM AMOUNT OF AN ELIGIBLE RECEIVABLE (SECTION 1.11).
The term "Maximum Amount of a Direct Loan Eligible Receivable, Sales
Finance Eligible Receivable and an Auto Secured Eligible Receivable"
shall mean the sum of Thirty Thousand Dollars ($30,000.00),
remaining due thereon at any date of determination, including all
unearned finance charges, dealer reserves, discounts, insurance fees
and other fees and charges pursuant to such Receivables.
The term "Maximum Amount of a Real Estate Secured Eligible
Receivable" shall mean the sum of One Hundred Eighty Seven Thousand
Five Hundred Dollars ($187,500.00), remaining due thereon at any
date of determination, including all unearned finance charges,
dealer reserves, discounts, insurance fees and other fees and
charges pursuant to the Receivables.
================================================================================
1.11.B. MAXIMUM TERM OF AN ELIGIBLE RECEIVABLE (SECTION 1.11).
The "Maximum Term of a Direct Eligible Receivable, Sales Finance
Eligible Receivable and an Auto Secured Eligible Receivable" shall
be sixty (60) months remaining until the due date of such Eligible
Receivable at any date of determination.
The "Maximum Term of a Real Estate Secured Eligible Receivable"
shall be one hundred eighty (180) months remaining until the due
date of such Eligible Receivable at any date of determination.
================================================================================
1.11.C. RECEIVABLE LIMITATIONS - EXPANDED (SECTION 1.11).
None
================================================================================
1.11.D. AGING PROCEDURES AND ELIGIBILITY TEST (SECTION 1.11).
AGING PROCEDURES FOR A CONTRACTUAL AGING:
1. No payment missed or due = Current.
2. 1 to 30 days past due = "30 day Account".
3. 31 to 60 days past due = "60 day Account".
4. 61 to 90 days past due = "90 day Account".
5. 91 or more days past due = "90 + day Account"
ELIGIBILITY TEST:
-----------------
================================================================================
The term "Eligibility Test" shall mean the test to determine the eligibility of
a Receivable, for the purposes of Section 1.11 hereof, that test, being as
follows: no payment due on said Receivable remains unpaid more than ninety (90)
days from the specific date on which such payment was due pursuant to the terms
of said Receivable and, with respect to a Real Estate Secured Receivable, the
maximum "loan to value" percentage shall be ninety percent (90%) ("Maximum
LTV"). For the
-3-
purpose of this Section Schedule Section 1.11, the "loan to value" percentage,
as determined on the date of origination of such Receivable, shall be percentage
resulting from dividing the original outstanding balance of such Receivable on
the date of origination, excluding all unearned finance charges, dealer
reserves, discounts, insurance fees and other fees and charges, by the appraised
value of the real estate securing such Receivable, as the date of origination of
such Receivable ("LTV").
================================================================================
1.12 GUARANTOR (WHETHER ONE OR MORE) (SECTION 1.12).
XXXXX X. XXXXXXX (Continuing and Unlimited with respect to the
outstanding balance of the Indebtedness applicable to Tranche "B"
and a Validity Guarantor with respect to the balance of the
Indebtedness).
================================================================================
1.35 ADDITIONAL DEFINITIONS (SECTION 1.35)
The following definition is hereby added to the Agreement:
"1.35 MAXIMUM AVAILABILITY. The term "Maximum Availability" shall
mean, on any date of determination, an amount equal to one hundred
and five percent (105%) (the one hundred and five percent [105%]
shall reduce by one percentage point each quarter hereafter,
beginning on October 15, 1999, and continuing each January 15th,
April 15th, July 15th and October 15th thereafter) of the aggregate
unmatured and unpaid amount due to Borrower from the Account Debtor
named thereon, excluding all unearned finance charges, dealer
reserves, discounts, insurance fees and other fees and charges
pursuant to all Eligible Receivables."
================================================================================
Section 2.1 of the Loan Agreement is hereby deleted and the following
is substituted in lieu thereof:
"2.1 AMOUNT OF LOAN. Subject to the terms, covenants and conditions
hereinafter set forth, Lender agrees upon the Borrower's request
from time to time, until the Maturity Date, to make advances to
Borrower (collectively, the "Loan"), in an aggregate amount not to
exceed at any time outstanding the sum of the following (a) lesser
of the following: (i) the Amount of the Loan (SCHEDULE SECTION
2.1.A.), (ii) the Availability on Tranche "A" (SCHEDULE SECTION
2.1.B.), plus (b) the Availability on Tranche "B" (SCHEDULE SECTION
2.1.B.), or (iii) the Maximum Availability (SCHEDULE SECTION
2.1.B.). Within the limits of this Section 2.1, Borrower may borrow,
repay and reborrow the advances. The Loan shall be evidenced by the
Note."
================================================================================
2.1.A. AMOUNT OF REVOLVING CREDIT LINE AND AMOUNT OF TERM LOAN (SECTION 2.1):
The "Amount of the Loan" shall be One Hundred Fifty Million Dollars
($150,000,000.00).
The "Amount of the Revolving Credit Line" shall be One Hundred
Twenty Nine Million Dollars ($129,000,000.00).
The "Amount of the Term Loan" shall be Twenty One Million Dollars
($21,000,000.00).
-4-
================================================================================
2.1.B. AVAILABILITY ON ELIGIBLE RECEIVABLES (SECTION 2.1):
Availability on Tranche "A"
The "Availability on Tranche 'A'" shall be an amount equal to the
lesser of: (i) eighty-five percent (85%) of the aggregate unmatured
and unpaid amount due to Borrower from the Account Debtor named
thereon, excluding all unearned finance charges, dealer reserves,
discounts, insurance fees and other fees and charges pursuant to the
Eligible Receivables, or (ii) the Amount of the Revolving Credit
Line.
Availability on Tranche "B"
The "Availability on Tranche 'B'" shall be the Amount of the Term
Loan, with such amount reducing by the amount of One Million Fifty
Thousand Dollars ($1,050,000.00) per quarter, beginning October 15,
1999, and each quarter thereafter until the Availability on Tranche
"B" has been eliminated (such quarterly reductions shall be equal to
the quarterly principal payments due with respect to Tranche "B"
Credit Facility). If Borrower prepays that portion of Indebtedness
allocated to Tranche "B" in excess of the quarterly reductions set
forth above, Borrower may reborrow such excess, subject to
availability herein.
Notwithstanding any provision contained in the Loan Documents to the
contrary, if on any date of determination, any one or more of the
following events occur, then in such event, Lender, in its sole and
absolute discretion, may modify the Availability on Tranche "A", the
Availability on Tranche "B" and/or the Maximum Availability advance
percentages:
(1) the Collateral Delinquency Percentage is greater
than five percent (5%),
(2) for any month of determination, the percentage
determined by dividing the aggregate cash received by
Borrower with respect to all Receivables by the
aggregate outstanding balance of all Receivables,
including all unearned finance charges, dealer
reserves, discounts, insurance fees and other fees
and charges pursuant to all Receivables, as of the
first (1st) day of the month of determination, is
less than eight percent (8%), or
(3) the average outstanding balance of all
Receivables, on any date of determination, excluding
all unearned finance charges, dealer reserves,
discounts, insurance fees and other fees and charges
pursuant to such Receivables, is greater than One
Thousand Five Hundred Dollars ($1,500.00).
================================================================================
2.2. STATED INTEREST RATES (SECTION 2.2).
The Tranche "A" Credit Facility Stated Interest Rate lesser of (i)
the Governing Rate plus One percent (1.00%) per annum; or (ii) the
Maximum Rate.
The Tranche "B" Credit Facility Stated Interest Rate lesser of (i)
the Governing Rate plus Three one-half percent (3.50%) per annum; or
(ii) the Maximum Rate.
================================================================================
2.3. MATURITY DATE (SECTION 2.3.C).
The primary term of this Agreement shall expire on July 31, 2004
("Maturity Date"). If Borrower desires to extend the primary term or
any term thereafter of this Agreement, Borrower shall give Lender
notice of its intent to extend the term no earlier than one hundred
and eighty (180) days and no later than one hundred and fifty (150)
days prior to any expiration date of this Agreement. Upon the
receipt by Lender of Borrower's
-5-
notice to extend the term of this Agreement, if Lender desires to
renew and extend the term of this Agreement, Lender shall give
Borrower notice of Lender's intent to extend the term of this
Agreement, within sixty (60) days of Lender's receipt of Borrower's
notice to extend. If Lender does not give Borrower notice of
Lender's intent to extend the term of this Agreement within the
sixty (60) days period, then it shall be deemed that Lender does not
intend to renew and extend the term of this Agreement.
Notwithstanding the foregoing, the Borrower's obligation pursuant to
this Agreement shall remain in full force and effect until the
Indebtedness due and owing to Lender has been paid in full.
================================================================================
2.3.A. Section 2.3.A. of the Agreement shall be deleted in its entirety
and the following shall be substituted in lieu thereof:
"A0 Accrued but unpaid interest for each calendar
month during the term hereof shall be due and
payable, in arrears, on or before the fifteenth
(15th) day of the immediately succeeding calendar
month. Principal payment shall be due and payable,
with respect to Tranche "B", quarterly, in the amount
of One Million Fifty Thousand Dollars ($1,050,000.00)
each, beginning on October 15, 1999, and continuing
quarterly thereafter, on each January 15th, April
15th, July 15th and October 15th until the earlier of
(i) the Maturity Date hereof, or (ii) the outstanding
balance of Tranche "B" is paid in full.
================================================================================
2.6. LIQUIDATED DAMAGES (SECTION 2.6).
The amount of "Liquidated Damages" shall be the amount of Five
Million Dollars ($5,000,000.00), when Borrower pays the balance of
the Indebtedness in full and Borrower requests Lender to terminate
Lender's security interest in the Collateral.
================================================================================
2.11 FACILITY FEE (SECTION 2.11)
The Facility Fee shall be the amount of Three Million Dollars
($3,000,000.00), due and payable in quarterly installments of One
Hundred and Fifty Thousand Dollars ($150,000.00) per quarter,
beginning October 15, 1999.
Notwithstanding the foregoing, if the Indebtedness is paid in full
prior to July 31, 2004 and Borrower requests that Lender terminate
its security interest in the Collateral, or the Loan Documents are
materially amended or modified prior to July 31, 2004, the Facility
Fee shall be immediately due and payable upon such occurrence.
================================================================================
2.15 UNUSED LINE FEE (SECTION 2.15)
The "Unused Credit Line Fee " shall be Zero Dollars ($0.00).
================================================================================
2.16 TRANCHE "A" CREDIT FACILITY (SECTION 2.16)
The following Section 2.16 is hereby added to the Agreement:
"2.16 TRANCHE "A" CREDIT FACILITY The "Tranche 'A'
Credit Facility" shall be that portion of the
outstanding balance of the Indebtedness that is a
revolving credit facility evidence by
-6-
advances and readvances in an aggregate outstanding
amount not to exceed the Availability on "Tranche "A"
(SCHEDULE SECTION 2.1.B.).
================================================================================
2.17 TRANCHE "B" CREDIT FACILITY (SECTION 2.17)
The following Section 2.17 is hereby added to the Agreement:
"2.17 TRANCHE "B" CREDIT FACILITY. The "Tranche 'B'
Credit Facility" shall be that portion of the
outstanding balance of the Indebtedness that is a
term credit facility, which as of the date of July
15, 1999, has an outstanding principal balance of
Twenty One Million Dollars ($21,000,000.00). The
maximum amount available pursuant to Tranche "B"
shall be reduced quarterly in the amount of One
Million Fifty Thousand Dollars ($1,050,000.00) per
quarter, beginning October 15, 1999, and continuing
each January 15th, April 15th, July 15th and October
15th thereafter until the earlier of (i) the Maturity
Date hereof, or (ii) the reduction of the
availability of the Tranche "B" Credit Facility to
Zero Dollars ($0.00)."
================================================================================
3.2. BUSINESS LOCATIONS OF BORROWER (SECTIONS 3.2, 3.6 AND 5.1.N.).
All locations are as set forth on Exhibit "A".
================================================================================
5.1. BORROWER'S TRADENAMES (WHETHER ONE OR MORE)(SECTION 5.1.B.)
As set forth on Exhibit "A".
================================================================================
6.2.A. LEVERAGE RATIO LIMIT (SECTION 6.2.J).
The term "Leverage Ratio Limit" shall mean 5:1.
================================================================================
6.2.B. MINIMUM NET CASH FLOW (SECTION 6.2.K).
The Minimum Net Cash Flow shall be Three Million Dollars
($3,000,000.00) for each rolling twelve (12) month period of
determination, the first twelve (12) month period of determination
shall be the twelve (12) month period ending December 31, 1999.
================================================================================
6.2.C. DISTRIBUTIONS LIMITATION (SECTION 6.2.L).
No distributions will be allowed if there is an indebtedness
outstanding under Tranche "B" Credit Facility or, if there is not
outstanding balance pursuant to the Tranche "B" Credit Facility, the
Distributions shall not exceed twenty-five (25)% of Net Income of
the fiscal year in which such Distributions are made.
-7-
================================================================================
6.5. ANNUAL FINANCIAL STATEMENTS (SECTION 6.5.).
Annual financial statements shall be audited by independent
certified public accountants, acceptable to Lender.
================================================================================
8.1. REIMBURSEMENT OF EXPENSES (SECTION 8.1).
Borrower's shall reimburse Lender for Lender expenses incurred in
Lender's attorneys fees and expenses incurred in the negotiation,
preparation and execution of these Loan Documents executed in
conjunction therewith.
================================================================================
9.1. NOTICES (SECTION 9.1).
Lender: FINOVA Capital Corporation
(copy each office below with all notices)
CORPORATE FINANCE OFFICE:
FINOVA Capital Corporation
000 Xxxxx Xxxxx Xxxxxx, Xxxxx 0000
Xxx Xxxxxxx, XX 00000
Attn: Xxxx X. Xxxxxx, Senior Vice President
Telephone: (000) 000-0000
Telecopy No.: (000) 000-0000
CORPORATE OFFICE:
FINOVA Capital Corporation
0000 X. Xxxxxxx Xxxxxx
Xxxxxxx, XX 00000
Attn: Xxxxxx X. X'Xxxxx, Senior Counsel
Telephone: (000) 000-0000
Telecopy No.: (000) 000-0000
REDISCOUNT FINANCE OFFICE:
FINOVA Capital Corporation
00000 Xxxxxx Xxxxxxx, Xxxxx 000
Xxxxxxx, XX 00000
Attn: Cash Xxxxxxxxx (Account Executive)
Telephone: (000) 000-0000
Telecopy No.: (000) 000-0000
Borrower: Xxxxxxx Investment Corporation
TICO Credit Company (Kentucky)
TICO Credit Company (Mississippi)
Modern Finance Company d/b/a TICO
Credit Company (Ohio)
TICO Credit Company (Tennessee)
Southern Management Corporation
Modern Financial Services, Inc. d/b/a
TICO Financial Services
-8-
Southern Finance of South Carolina, Inc.
Xxxxxxxxx Credit of Texas, Inc.
Covington Credit of Georgia, Inc.
Southern Finance of Tennessee, Inc.
0000 XXXXXXXX Xxxxxxx
Xxxxxxxxx, XX 00000
Telephone: (000) 000-0000
Telecopy No.: (000) 000-0000
Guarantor: Xxxxx X. Xxxxxxx
000 X. Xxx
Xxxxxxx, Xxxxx Xxxxxxxx 00000
Telephone: (000) 000-0000
Telecopy No.: (000) 000-0000
================================================================================
9.15. AGENT FOR SERVICE OF PROCESS (SECTION 9.15).
Xxxxx X. Xxxxxxx, whose address is 0000 XXXXXXXX Xxxxxxx,
Xxxxxxxxx, XX 00000.
(Agent)
================================================================================
IN WITNESS WHEREOF, the parties have executed this Schedule on the day and
year first set forth above.
LENDER:
FINOVA CAPITAL CORPORATION,
a Delaware corporation
By:/s/Cash Xxxxxxxxx
---------------------------------------------
(Signature)
Cash Xxxxxxxxx X.X. 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
BORROWER:
XXXXXXX INVESTMENT CORPORATION,
a South Carolina corporation
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
-9-
TICO CREDIT COMPANY,
a Mississippi corporation
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
MODERN FINANCE COMPANY,
an Ohio corporation d/b/a TICO Credit Company
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
TICO CREDIT COMPANY,
a Delaware corporation
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
TICO CREDIT COMPANY,
a Tennessee corporation
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
-10-
SOUTHERN MANAGEMENT CORPORATION,
a South Carolina corporation
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
MODERN FINANCIAL SERVICES, INC.,
an Ohio corporation d/b/a TICO Financial Services
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
XXXXXXXXX CREDIT OF TEXAS, INC.,
a Texas corporation
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
XXXXXXXXX CREDIT OF GEORGIA, INC.,
a Georgia corporation
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
-00-
XXXXXXXX XXXXXXX XX XXXXX XXXXXXXX, INC.,
a South Carolina corporation
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
SOUTHERN FINANCE OF TENNESSEE, INC.,
a Tennessee corporation
By:/s/Xxxxx X. Xxxxxxx
---------------------------------------------
(Signature)
Xxxxx X. Xxxxxxx, President 8/31/99
------------------------------------------------
(Printed Name and Title) (Date)
GUARANTORS:
/s/Xxxxx X. Xxxxxxx
------------------------------------------------
Xxxxx X. Xxxxxxx
-12-
EXHIBIT "A"
XXXXXXX INVESTMENT CORP. OFFICES
XXXXXXX INVESTMENTS
0000 XXXXXXXXX XXXXXX
XXXXXXXXX, XX 00000
XXXXXXX INVESTMENTS XXXXXXX INVESTMENTS
000-X XXXXXXX XXXXXX PENNYRILE MARKETPLACE STE M
XXXXXXXXXXXX, XX 00000 0000 XX. XXXXXXXX XXXX
P 000-000-0000 XXXXXXXXXXXX, XX 00000
F 000-000-0000 P 000-000-0000
F 000-000-0000
XXXXXXX INVESTMENTS XXXXXXX INVESTMENTS
000 XXXXXXXXXXXX XX XXXXXXXXX XXXXX XXXX 0
XXXXXXXXXXXX, XX 00000 0000 0XX XXXXXX
X 000-000-0000 XXXXXXXXX, XX 00000
F 000-000-0000 P 000-000-0000
F 000-000-0000
XXXXXXX INVESTMENTS XXXXXXX INVESTMENTS
000 XXXXX XXXX 000 XXXXXX XXX
XXXXXXXX, XX 00000 XXXXXXX XXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 000-000-0000
XXXXXXX INVESTMENTS XXXXXXX INVESTMENTS
000 X XXXXXXX XXXXX XXXX 000 X XXXXXXXX
XXXXXXXX, XX 00000 XXXXXXXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
0000 XXXXXXX XXXXXXX 000 XXX XXXX XXXXXX
XXXXXXXXXX, XX 00000 XXXXX XXXXXXX, XX 00000
P 502-964-0408 P 000-000-0000
F 000-000-0000 F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
682-A HWY 0 XXXX 000-X XXXXXX XXXXXX
XXXXXXXXXX, XX 00000 XXXXXXXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
000 XXXXXXXX XXXXXXXX XXXXXX 000 X XXXXX XXX, XXXX 0
XXXXXXXXXX, XX 00000 DELTA SQUARE CENTER
P 000-000-0000 XXXXXXXXX, XX 00000
F 000-000-0000 P 000-000-0000
F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
435 LITTLEWOODS SHOPPING CTR 0000 XXXXXX XXXX XXXXXXXXX
XXXXXXXX, XX 00000 XXXXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 601-286-3060
THAXTON INVESTMENTS THAXTON INVESTMENTS
000 XXXX XXXXXXXX XXXXXX 8 XXXXXXXX SHOPPING CENTER
XXXXXXXX, XX 00000 XXXXXXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
0000 XXXX XXXXXXX XXXXXX 000 XXXXXXXXXXXX XXXXX
XXXXXX, XX 00000 XXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
XXXXXXXXX XXXXXXX XXXXXXXX XXX 000 XXXX XXXXX
0000 XXX 00 XXXXX XXX XXXXXX, XX 00000
XXXXXX, XX 00000 P 000-000-0000
P 000-000-0000 F 000-000-0000
F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
0000 X XXX 000 0000 XXXXXX XXXXXX
XXXXX XXXXXX, XX 00000 XXXXXXXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
0000 XXX 00 XXXX XXXXX X 000 XXX 00 XXXXX X
XXXXX, XX 00000 XXXXXXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
0000 XXX 00 XXXXX 0000 XXXX XXXXXX XXXXX
XXXXXX, XX 00000 XXXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 000-000-0000
0
XXXXXXX XXXXXXXXXXX XXXXXXX INVESTMENTS
0000 XXX 00 XXXXX 000-X XXXXXXX 00 XXXX
XXXXXXXXX, XX 00000 XXXXXXXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000 F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
000 XXXXXXX 00 XXXXX 0000 XXXXX XXXXXXXXX
XXXXXXX, XX 00000 XXXXXX, XX 00000
P 615-441-3000 P 000-000-0000
F 000-000-0000 F 000-000-0000
THAXTON INVESTMENTS THAXTON INVESTMENTS
565 WEST POPLAR 0000 XXXXX XXXX XXXXXX
XXXXXXXXXXXX, XX 00000 XXXXXXXXXXXXX, XX 00000
P 000-000-0000 P 000-000-0000
F 000-000-0000
XXXXXXX INVESTMENTS XXXXXXX INVESTMENTS
000-X XXXX XXXXX ONE E. GAY STREET
JACKSON, TN 38302 SUITE 200
P 000-000-0000 XXXXXXXX, XX 00000
F 000-000-0000 P 000-000-0000
XXXXXXX INVESTMENTS XXXXXXX INVESTMENTS
0000 XXXXXX-XXXXX XXXX 000 XXXXXXX XXXXX
XXXXX 000 XXXXXXXXX, XX 00000
XXXXXXXXXXX, XX 00000 P 000-000-0000
P 937-320-4400
XXXXXXX INVESTMENTS XXXXXXX INVESTMENTS
0000 XXXXX XXXXXX XXX 000 X. XXXXX XXXXXX
XXXXXX, XX 00000 XXXXXXXXXX, XX 00000
P 000-000-0000 P 937-644-4223
THAXTON INVESTMENTS
0 XXXXXX XXXXXX
XX. XXXXXX, XX 00000
P 000-000-0000
3
SOUTH CAROLINA
-------------------- ---------------------------------- ----------------------------- --------------------------------
BR #, SPD, SUP. BRANCH NAME, BRANCH ADDRESS TELEPHONE #, FAX #
& DATE OPENED COUNTY & LICENSE # & BRANCH MANAGER
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC001 (600) Southern Finance Company 000X X. Xxxxxxxxxx Xxxxxx T: 864/233-7412 F:864/467-0270
(CT) 09/86 (Greenville) #S-2,202 XXXXXXXXXX, XX 00000 Xxxx Xxxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC002 (601) Southern Finance Company 000 X. XxXxxxxx Xxxxxx T: 864/226-2927 F:864/226-2903
(CT) 09/86 (Anderson) #S-2,200 XXXXXXXX, XX 00000 Xxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0003 (602) Southern Finance Company 000 Xxxx Xxxxxx T: 864/229-6167 F:864/229-6155
(TS) 09/86 (Greenwood) #S-2,203 XXXXXXXXX, XX 00000 Xxxxx Xxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC00004 (603) Southern Finance Company 000 X. Xxxxx Xxxxxx T: 843/667-6012 F:843/667-6016
(MG) 09/86 (Florence) #S-2,201 XXXXXXXX, XX 00000 Xxxxxxx Xxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0005 (604) Southern Finance Company of 000 Xxxx Xxxxxx T: 843/577-2974 F:843/577-2979
(MG) 07/87 Xxxxxxxxxx XXXXXXXXXX, XX 00000 Xxxx Xxxxxx
(Charleston) #S-2,252
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0006 (605) Southern Finance Company of 0000 Xxxxxx Xxxxxx T: 803/252-4232 F:803/779-7967
(TS) 07/87 Columbia XXXXXXXX, XX 00000 Xxxxx Xxxxxx
(Richland) #S-2,253
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0007 (606) Southern Finance Company of 0000 Xxxxxxx Xxxxxx T: 803/536-6616 F:803/536-0062
(TS) 07/87 Orangeburg XXXXXXXXXX, XX 00000 Xxxxxx Xxxxx
(Orangeburg) #S-2,254
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0008 (607) Southern Finance Company of 0 X. Xxxxxxx Xxx. T: 803/773-9371 F:803/773-9375
(MG) 00/00 Xxxxxx XXXXXX, XX 00000 Xxxxx Xxxxxx
(Sumter) #S-2,263
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0009 (608) Southern Finance Company of 0000 Xxxxxx Xxxxxx T: 843/546-0183 F:843/527-1656
(MG) 01/16/88 Xxxxxxxxxx XXXXXXXXXX, XX 00000 X.X. Xxxxxx
(Georgetown) #S-2,333
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0010 (609) Xxxxxxxxx Credit of South 0000 Xxxxxx Xxxxxx, Xxxxx T: 843/554-7919 F:843/566-9435
(MG) 06/13/88 Carolina 106 Xxxx Xxxxxx
(Charleston) #S-2,387 X. XXXXXXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0011 (610) Southern Finance Company of 000 X. Xxxx Xxxxxx, Xxxxx #0 T: 864/591-1146 F:864/591-1148
(CT) 07/05/88 Xxxxxxxxxxx XXXXXXXXXXX, XX 00000 Xxxxx Xxxxxxxx
(Spartanburg) #S-2,407
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0012 (611) Southern Finance Company of 000 Xxxxxxxxxx Xxxxxx T: 864/459-9621 F:864/459-0082
(TS) 08/01/88 Abbeville XXXXXXXXX, XX 00000 Xxxxx Xxxxxx
(Abbeville) #S-2,415
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0013 (612) Xxxxxxxxx Credit of South 0000 Xxxxxx Xxxxxx T: 803/254-6092 F:803/254-9121
(TS) 08/29/88 Carolina XXXXXXXX, XX 00000 Xxxx Xxxxxxx
(Richland) #S-2,404
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0014 (613) Xxxxxxxxx Credit of South 0000 Xxxxxxxxx Xxxxxx T: 803/533-0050 F:803/533-0518
(TS) 09/12/88 Carolina XXXXXXXXXX, XX 00000 Xxxxxx XxXxxxxx
(Orangeburg) #S-2,422
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0015 (614) Xxxxxxxxx Credit of South 000 XxXxxx Xxxxxx T: 803/432-3331 F:803/432-3805
(LS) 08/29/88 Carolina XXXXXX, XX 00000 Xxxxx Xxxxx
(Kershaw) #S-2,416
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0016 (615) Xxxxxxxxx Credit of South 000 Xxxxxxx Xxxxxx T: 803/581-1666 F:803/581-1668
(LS) 09/06/88 Carolina XXXXXXX, XX 00000 Xxxxxxx Xxxxx
(Xxxxxxx) #S-2,417
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0017 (616) Southern Finance Company 000 X. Xxxxxxx Xxxxxx T: 864/984-0543 F:864/984-0545
(LS) 08/28/89 (Laurens) #S-2,512 XXXXXXX, XX 00000 Xxxxx Xxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0018 (617) Southern Finance Company 000 X. Xxxx Xxxxxx T: 843/423-1529 F:843/423-9443
(LS) 09/11/89 (Marion) #S-2,506 XXXXXX, XX 00000 Xxxxxx Xxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0019 (618) Southern Finance Co. 000 Xxxxx Xxxxxx T: 843/549-9435 F:843/549-2968
(MG) 03/01/90 (Colleton) #S-2,555 XXXXXXXXXX, XX 00000 Xxxxxx Xxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0020 (619) SoCo Finance Company 0000 Xxxxxxxxxx Xxxxxx T: 803/252-4220 F:803/256-9034
(TS) 03/01/90 (Richland) #S-2,554 XXXXXXXX, XX 00000 Xxx Xxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0021 (620) Southern Finance Company 000 X. Xxxx Xxxxxx T: 843/774-6472 F:843/774-6672
(LS) 05/24/93 (Dillon) #S-2,826 XXXXXX, XX 00000 Xxxxx XxXxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0022 (621) Southern Finance Company 000 X. X. Xxxx Xxxxxx T: 864/855-9963 F:864/855-5797
(CT) 06/14/93 (Xxxxxxx) #S-2,827 XXXXXX, XX 00000 Xxxxx Xxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0023 (622) Xxxxxxxxx Credit of South 000 Xxxxxxxxx Xxxxxx T: 864/232-2822 F:864/255-5393
(CT) 06/01/93 Carolina XXXXXXXXXX, XX 00000 Xxxxxx Xxxxxx
(Greenville) #S-2,829
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0024 (623) Southern Finance Company 0000 Xxxx Xxxxxx T: 803/276-4240 F:803/276-6610
(LS) 06/07/93 (Newberry) #S-2,828 XXXXXXXX, XX 00000 Xxxxxx Xxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0025 (624) Southern Finance Company 000 Xxxxxxx Xxxxxx, X.X. T: 803/643-9661 F:803/643-9665
(TS) 07/26/93 (Aiken) #S-2,841 XXXXX, XX 00000 Xxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0027 (625) Xxxxxxxxx Credit of South 0 X. Xxxx Xxxxxx T: 803/773-1111 F:803/773-5971
(MG) 10/12/93 Carolina XXXXXX, XX 00000 Xxxxxxx Xxxxxxxx
(Sumter) #S-2,874
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0028 (626) Southern Finance Company 000 X. Xxxxxxxxx Xxxxxx T: 864/487-0221 F:864/488-2453
(CT) 02/02/94 (Cherokee) #S-2,896 XXXXXXX, XX 00000 Xxxxx Xxxxxxx (Acting Manager)
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0029 (627) Southern Finance Company 000 Xxxxx Xxxxxx T: 864/879-2261 F:864/879-2379
(CT) 08/22/94 (Greenville) #S-2,925 XXXXX, XX 00000 Xxxxx Xxxxxx (Acting Manager)
-------------------- ---------------------------------- ----------------------------- --------------------------------
-------------------- ---------------------------------- ----------------------------- --------------------------------
BR #, SPD, SUP. BRANCH NAME, BRANCH ADDRESS TELEPHONE #, FAX #
& DATE OPENED COUNTY & LICENSE # & BRANCH MANAGER
-------------------- ---------------------------------- ----------------------------- --------------------------------
-------------------- ---------------------------------- ----------------------------- --------------------------------
(Greenville) #S-2,925
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0030 (628) Southern Finance Company 000 Xxxxxx Xxxxxx T: 843/921-6087 F:843/921-6090
(LS) 06/16/97 (Chesterfield) #S-3,541 XXXXXX, XX 00000 Xxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0031 (629) Southern Finance Company 0000 Xxxxx Xxxxx T: 843/248-6627 F:843/381-0250
(MG) 08/18/97 (Horry) #S-3,542 XXXXXX, XX 00000-0000 Xxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0032 (697) Southern Finance Company 000 Xxxxxxx 00-000 X., Xxx 0 T: 843/479-0378 F:843/479-1959
(LS) 06/07/99 (Marlboro) #S-4,407 XXXXXXXXXXXXX, XX 00000 Xxxx Xxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0033 (630) SoCo Finance 00 X. XxXxx Xxxxxx T: 864/242-0240 F:864/242-4477
(CT) 11/10/97 (Greenville) #S-3,723 XXXXXXXXXX, XX 00000 Xxxxxx Xxxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0034 (25) Southern Finance Company 000 Xxx Xxxxxx T: 803/943-1002 F:803/943-1024
(TS) 07/12/99 (Hampton) #S-4,408 XXXXXXX, XX 00000 Xxxxx Xxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
SC0035 (24) Southern Finance Company 00 Xxxx Xxxxxx T: 803/259-2194 F:803/259-9640
(TS) 08/09/99 (Barnwell) #S-4,406 XXXXXXXX, XX 00000 Xxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
H. Xxxxxxx Xxxxxxxx - Director of Supervision for South Carolina Xxxxxxxxx X. Xxxxxx - Upstate SC District
Xxxxxx X. Xxxxxx - Central SC District Xxxx X. Xxxxxx - Eastern SC District
Xxxxx Xxxxxx - Southwest SC District
GEORGIA
-------------------- ---------------------------------- ----------------------------- --------------------------------
BR #, SPD, SUP. BRANCH NAME, BRANCH ADDRESS TELEPHONE #, FAX #
& DATE OPENED COUNTY & LICENSE # & BRANCH MANAGER
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0001 (631) Covington Credit of Georgia, Inc. 0000-X Xxxx Xxxxxx, Xxxxxx T: 770/787-5320 F:770/784-7657
(JG) 07/81 (Xxxxxx) #00000 Xxxxx Xxxxxx Xxxx
XXXXXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0002 (632) Xxxxxxxxx Credit of Georgia, Inc. 000 Xxxxxxxx Xxxxxx T: 706/595-7722 F:706/595-6760
(JG) 02/82 (XxXxxxxx) #04052 XXXXXXX, XX 00000 Xxxx Xxxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0003 (633) Xxxxxxxxx Credit of Georgia, Inc. 000 X. Xxxxxxx Xxxxxx T: 706/354-0021 F:706/354-1495
(EK) 04/83 (Xxxxx) #04042 XXXXXX, XX 00000 Xxxxx Xxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0004 (634) Xxxxxxxxx Credit of Georgia, Inc. 000 X. Xxxxx Xxxxxx T: 770/267-7573 F:770/207-4349
(EK) 11/83 (Xxxxxx) #04112 XXXXXX, XX 00000 Xxxxx Xxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0005 (635) Xxxxxxxxx Credit of Georgia, Inc. 000 X. Xxxxx Xxxxxx T: 706/886-0433 F:706/282-1402
(EK) 08/83 (Xxxxxxx) #02052 XXXXXX, XX 00000 Xxxxxx Xxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0006 (636) Xxxxxxxxx Credit of Georgia, Inc. 000 Xxxxxx Xxxxxx T: 912/743-0314 F:912/742-4360
(JG) 07/84 (Xxxx) #18042 XXXXX, XX 00000 Xxxxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0007 (637) Xxxxxxxxx Credit of Georgia, Inc. 000 Xxxxx Xxxxxx T: 706/724-8681 F:706/722-5381
(JG) 08/83 (Richmond) #11032 XXXXXXX, XX 00000 Xxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0008 (638) Xxxxxxxxx Credit of Georgia, Inc. 0000 Xxxxxxxxxxxxx Xxxx, T: 770/466-4656 F:770/554-9148
(EK) 1/20/89 (Xxxxxx) #04192 X.X. Xxx 0000 Xxxxx Xxxxxx
XXXXXXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0009 (639) Xxxxxxxxx Credit of Georgia, Inc. 0000 Xxxx Xxxxx T: 770/388-7444 F:770/860-9600
(EK) 10/16/89 (Rockdale) #10222 XXXXXXX, XX 00000 Xxxxx Xxxxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0010 (640) Xxxxxxxxx Credit of GA, Inc. dba 0000 Xxxxxxx Xxxxxx T: 706/722-4035 F:706/722-0062
(JG) 11/06/89 S. Finance Co. (Richmond) #11292 XXXXXXX, XX 00000 Xxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0011 (641) Xxxxxxxxx Credit of Georgia, Inc. 000 X. Xxxxxxx Xxxxxxx, T: 770/963-2441 F:770/338-9404
(RC) 05/01/90 (Gwinnett) #09192 Suite 6 Xxxxx Xxxx
XXXXXXXXXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0012 (642) Xxxxxxxxx Credit of Georgia, Inc. 0000 X. Xxxxx Xxxx. T: 770/389-8205 F:770/389-4593
(EK) 08/09/93 (Xxxxx) #09942 X.X. Xxx 000 Xxxx Xxxxxxx
XXXXXXXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0013 (643) Xxxxxxxxx Credit of Georgia, Inc. 000 Xxxxxxxxxxx Xxxx, Xxx X T: 706/884-4540 F:706/884-0083
(JG) 01/17/94 (Xxxxx) #13652 X.X. Xxx 0000 Xxxx Xxxxxxxxx
XXXXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0014 (644) Xxxxxxxxx Credit of Georgia, Inc. 0000 Xxxxx Xxx Xxxxxx T: 706/335-0408 F:706/335-0409
(EK) 06/27/94 (Xxxxxxx) #04462 XXXXXXXX, XX 00000 Xxxxxx Xxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0015 (645) Xxxxxxxxx Credit of Georgia, Inc. 00 Xxxxxxxxxx Xxxxxx, Xxxxx T: 770/251-1570 F:770/254-0032
(JG) 09/23/96 (Coweta) #10182 A Xxxxx Xxxx
XXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0016 (646) Xxxxxxxxx Credit of Georgia, Inc. 125 Xxxx X. Xxxxxx Xx. T: 770/538-0690 F:770/718-1003
(EK) 02/03/97 (Hall) #00000 Xxxx. X.X., Xxx 000 Xxxxx Xxxxx
XXXXXXXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0017 (647) Xxxxxxxxx Credit of Georgia, Inc. 0000 Xxxxxxx Xxxx T: 706/660-8869 F:706/324-4909
(JG) 05/12/97 (Muscogee) #15352 XXXXXXXX, XX 00000 Xxxxxxx Xxxxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
2
-------------------- ---------------------------------- ----------------------------- --------------------------------
BR #, SPD, SUP. BRANCH NAME, BRANCH ADDRESS TELEPHONE #, FAX #
& DATE OPENED COUNTY & LICENSE # & BRANCH MANAGER
-------------------- ---------------------------------- ----------------------------- --------------------------------
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0018 (648) Xxxxxxxxx Credit of Georgia, Inc. 0000 Xxxxx Xxxx Xxxxxx, T: 912/988-0729 F:912/988-0733
(JG) 05/05/97 (Houston) #00000 Xxxxx X Xxxxxx Xxxxxxxx
XXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
GA0019 (649) Xxxxxxxxx Credit of Georgia, Inc. 0000 Xxxxxxxx Xxxxx, Xxxxx X T: 404/297-0282 F:404/297-1621
(RC) 10/10/97 (DeKalb) #23872 XXXXXXX, XX 00000 Xxx XxXxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
Xxxx Xxxxxx - North Georgia District W. Xxxx Xxxxxxxx - Central Georgia District
TENNESSEE
-------------------- ---------------------------------- ----------------------------- --------------------------------
BR #, SPD, SUP. BRANCH NAME, BRANCH ADDRESS TELEPHONE #, FAX #
& DATE OPENED COUNTY & LICENSE # & BRANCH MANAGER
-------------------- ---------------------------------- ----------------------------- --------------------------------
TN0001 (650) Southern Finance of Tenn., Inc. 000 Xxxxxxxxx Xxxxxx T: 423/982-5062 F:423/982-5326
(RC) 06/10/96 dba XXXXX, XX 00000 Xxxx Xxxxxxxx
Xxxxxxxxx Credit (Xxxxxx) #1270
-------------------- ---------------------------------- ----------------------------- --------------------------------
TN0002 (651) Southern Finance of Tenn., Inc. 0000 Xxxxxxxx Xxxx, C1 T: 423/698-1629 F:423/698-3459
(RC) 06/10/96 dba XXXXXXXXXXX, XX 00000 Xxxxxxx Xxxx
Xxxxxxxxx Credit (Xxxxxxxx)#1268
-------------------- ---------------------------------- ----------------------------- --------------------------------
TN0003 (652) Southern Finance of Tenn., Inc. 000 Xxxxx Xxxxxx T: 423/614-3408 F:423/614-3414
(RC) 06/10/96 dba XXXXXXXXX, XX 00000 Xxxxx Xxxxxx
Xxxxxxxxx Credit (Xxxxxxx) #1267
-------------------- ---------------------------------- ----------------------------- --------------------------------
TN0004 (653) Southern Finance of Tenn., Inc. 000 Xxxxxxx Xxxx T: 423/744-9199 F:423/744-9858
(RC) 06/23/97 dba XXXXXX, XX 00000 Xxxxx Xxxxxx
Xxxxxxxxx Credit (XxXxxx) #1269
-------------------- ---------------------------------- ----------------------------- --------------------------------
TN0005 (654) Southern Finance of Tenn., Inc. 000 Xxxx Xxxxxxxxxx T: 615/896-9277 F:615/896-8837
(RC) 07/01/97 dba Boulevard Xxxx Xxxxxxx
Xxxxxxxxx Credit ((Xxxxxxxxxx)#0000XXXXXXXXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
TN0006 (655) Southern Finance of Tenn., Inc. 0000 Xxxx Xxxxxxxx Xxxxxx T: 423/525-8248 F:423/525-9403
(RC) 07/01/97 dba XXXXXXXXX, XX 00000 Xxx Xxxxx
Xxxxxxxxx Credit (Xxxx) #1266
-------------------- ---------------------------------- ----------------------------- --------------------------------
Xxx Xxxxxx - Director of Supervision for Georgia & Tennessee Xxxxxx X. Xxxxxx - Tennessee District
TEXAS
-------------------- ---------------------------------- ----------------------------- --------------------------------
BR #, SPD, SUP. BRANCH NAME, BRANCH ADDRESS TELEPHONE #, FAX #
& DATE OPENED COUNTY & LICENSE # & BRANCH MANAGER
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0001 (656) Xxxxxxxxx Credit of Texas, Inc. 0000 X. Xxxxxxx Xxxxxx T: 361/572-4014 F:361/572-4017
(JM) 11/13/89 (Victoria) #450-6808 XXXXXXXX, XX 00000-0000 Xxxxx Xxxxxx, Xx.
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0002 (657) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxxxxxxx Xxxxxx T: 361/362-0860 F:361/362-0864
(JM) 06/04/90 (Bee) #450-6915 XXXXXXXX, XX 00000-0000 Xxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0003 (658) Xxxxxxxxx Credit of Texas, Inc. 0000 Xxxxx Xxxxxx, Xxxxx X: 361/855-8296 F:361/855-8299
(JM) 05/13/91 (Nueces) #450-6917 000-0 Xxxxx Xxxxxx
XXXXXX XXXXXXX, XX 00000
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0004 (659) Xxxxxxxxx Credit of Texas, Inc. 0000 X. Xxxx Xxxxxx T: 361/664-5882 F:361/664-5885
(JM) 10/01/90 (Xxx Xxxxx) #450-6916 XXXXX, XX 00000 Xxxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0005 (660) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxx Xxxxxxx Xxxxxx T: 512/392-6182 F:512/392-6109
(BB) 08/12/91 (Xxxx) #450-7185 XXX XXXXXX, XX 00000 Xxxx Xxxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0006 (661) Xxxxxxxxx Credit of Texas, Inc. 0000 Xxxxxxx Xxx., Space #10 T: 956/630-2256 F:956/630-4627
(EE) 06/01/92 (Xxxxxxx) #450-7186 XXXXXXX, XX 00000 Xxxxxxx Xxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0007 (662) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxxx Xxxxxx T: 830/372-1291 F:830/372-1394
(JM) 06/22/92 (Xxxxxxxx) #450-7187 XXXXXX, XX 00000 Xxxxxx Xxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0008 (663) Xxxxxxxxx Credit of Texas, Inc. 0 Xxxxx Xxxxx Xxxxxx T: 254/778-0048 F:254/778-0236
(AM) 08/24/92 (Xxxx) #450-7430 XXXXXX, XX 00000 Xxxxx Xxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0009 (664) Xxxxxxxxx Credit of Texas, Inc. 000 Xxxxxxxx Xxxxxx T: 210/225-3571 F:210/225-3575
(BB) 08/31/92 (Bexar) #450-7429 XXX XXXXXXX, XX 00000 Xxx Xxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0010 (665) Xxxxxxxxx Credit of Texas, Inc. 0000 X. Xxxx Xxxxx T: 254/754-4449 F:254/754-4515
(AM) 05/02/94 (McLennan) #450-7431 XXXX, XX 00000 Xxx Xxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0011 (666) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxxxx Xxxxxx T: 361/592-0325 F:361/592-0515
(JM) 05/16/94 (Kleberg) #450-7432 XXXXXXXXXX, XX 00000-0000 Xxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0012 (667) Xxxxxxxxx Credit of Texas, Inc. 0000 Xxxxx, Xxxxx #000 T: 361/857-0141 F:361/857-0145
(JM) 06/06/94 dba XXXXXX XXXXXXX, XX 00000 Xxx Xxxxxxx
Southern Finance (Nueces)#450-7433
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0013 (668) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxx Xxxxxxxxx T: 956/969-2523 F:956/968-2857
(EE) 07/18/94 (Xxxxxxx) #450-7914 XXXXXXX, XX 00000 Xxxxxx Xxxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0014 (669) Xxxxxxxxx Credit of Texas, Inc. 000 Xxxx Xxxxxxx Xxxxxx T: 956/412-1661 F:956/412-1665
(EE) 06/01/94 (Cameron) #450-7434 XXXXXXXXX, XX 00000 Xxxxx Xxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0015 (670) Xxxxxxxxx Credit of Texas, Inc. 0000 Xxxxxxx Xxxx T: 409/899-3724 F:409/899-3924
(TB) 08/29/94 (Jefferson) #450-7915 XXXXXXXX, XX 00000 Xxxx Xxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0016 (671) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxxx Xxxxxx T: 409/639-6674 F:409/639-6693
(TB) 09/05/94 (Angelina) #450-7916 XXXXXX, XX 00000 Xx Xxxxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
TX0017 (672) Xxxxxxxxx Credit of Texas, Inc. 000 X. 0xx Xxxxxx T: 903/572-8522 F:903/572-8558
(GP) 08/22/94 (Xxxxx) #450-7917 XX. XXXXXXXX, XX 00000 Xxxxx Xxxxxx
-------------------- ---------------------------------- ----------------------------- --------------------------------
3
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0018 (673) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxx 63 T: 903/234-0095 F:903/234-0098
(TB) 09/12/94 (Xxxxx) #450-7918 XXXXXXXX, XX 00000 Xxxx Xxxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0019 (674) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxxxx Xxxxxx T: 903/927-2021 F:903/927-2403
(TB) 04/17/95 (Xxxxxxxx City) #450-7919 XXXXXXXX, XX 00000 Xxxx Xxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0020 (675) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxx Xxxxxx T: 903/535-9080 F:903/535-9131
(AM) 06/19/95 (Xxxxx) #450-8251 XXXXX, XX 00000-0000 Xxxxxxxxx Xxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0021 (676) Xxxxxxxxx Credit of Texas, Inc. 000 Xxxxx Xxxx Xxxxxx T: 254/582-2414 F:254/582-2675
(AM) 06/19/95 (Hill) #450-8252 XXXXXXXXX, XX 00000 Xxxxxx Xxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0022 (678) Xxxxxxxxx Credit of Texas, Inc. 0000 Xxxxxxxxxxxxxx Xx., T: 210/734-4789 F:201/734-5759
(BB) 08/28/95 dba Southern Finance (Bexar)#450-82 Ste 113 Xxxxx Xxxxx
XXX XXXXXXX, XX 00000
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0023 (679) Xxxxxxxxx Credit of Texas, Inc. Xxxxxxx Xxxxx, Xxxxx 000 T: 361/552-3232 F:361/552-7876
(JM) 10/23/95 (Xxxxxxx) #450-8261 XXXX XXXXXX, XX 00000 Xxxxx Xxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0024 (680) Xxxxxxxxx Credit of Texas, Inc. 000 00xx Xxxxxx T: 409/941-9090 F:409/941-0253
(TB) 04/28/95 (Galveston) #450-8250 XXXXX XXXX, XX 00000 Xxxx Xxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0025 (681) Xxxxxxxxx Credit of Texas, Inc. 0000 Xxx Xxxxxxxx, Xxxxx 0 T: 956/726-1696 F:956/727-8566
(EE) 08/07/95 (Xxxx) #450-8255 XXXXXX, XX 00000 Xxxxxxx XxXx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0026 (682) Xxxxxxxxx Credit of Texas, Inc. 0000 X. Xxxxxx Xxxxxx T: 956/519-8511 F:956/519-8515
(EE) 07/10/95 (Xxxxxxx) #450-8253 XXXXXX, XX 00000 Xxxxx Xxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0027 (683) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxxx Xxxxxx T: 903/874-4878 F:903/874-7481
(AM) 07/10/95 (Xxxxxxx) #450-8254 XXXXXXXXX, XX 00000 Xxxxx Xxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0028 (684) Xxxxxxxxx Credit of Texas, Inc. 000 X X. Xxxxxxxxxx Xxxxx T: 409/560-5656 F:409/564-9198
(TB) 08/07/95 (Nacogdoches) #450-8256 XXXXXXXXXXXX, XX 00000 Xxxxx Xxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0029 (30) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxxx Xxxx, Xxxxx X T: 956/726-9977 F:956/724-7863
(EE) 06/09/98 dba Southern Finance (Xxxx)#450-6633 XXXXXX, XX 00000 Xxxxx Xxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0030 (685) Xxxxxxxxx Credit of Texas, Inc. 112 Oaklawn Village T: 903/832-6551 F:903/832-6770
(GP) 10/09/95 (Bowie) #450-8260 XXXXXXXXX, XX 00000 Xxxxx Xxxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0031 (686) Xxxxxxxxx Credit of Texas, Inc. 0000 00xx Xxxxxx T: 409/293-8090 F:409/291-6350
(TB) 08/28/95 (Xxxxxx) #450-8259 XXXXXXXXXX, XX 00000 Xxxxxx Xxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0032 (27) Xxxxxxxxx Credit of Texas, Inc. 4116 Avenue I T: 281/344-8688 F:281/232-2141
(BB) 02/08/99 (Fort Bend) #450-8264 XXXXXXXXX, XX 00000 Xxxxxxxx Xxxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0033 (687) Xxxxxxxxx Credit of Texas, Inc. 000 X X. Xxxxxxxx Xx. T: 903/893-5583 F:903/813-1343
(GP) 07/26/95 (Xxxxxxx) #450-8257 XXXXXXX, XX 00000 Xxxxx Xxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0034 (688) Xxxxxxxxx Credit of Texas, Inc. 00 Xxxxx Xxxxxx T: 903/739-8161 F:903/739-8408
(GP) 05/20/96 (Xxxxx) #450-8263 XXXXX, XX 00000 Xxxx Xxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0035 (689) Xxxxxxxxx Credit of Texas, Inc. 000 X. XxXxxxxx, Xxxxx X T: 972/529-6888 F:972/542-3667
(GP) 05/20/96 (Collin) #450-8262 XxXXXXXX, XX 00000 Xxxxxxx Xxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0036 (690) Xxxxxxxxx Credit of Texas, Inc. 0000 X Xxxxxxxx Xxxxxxxxx T: 512/454-1400 F:512/454-1256
(BB) 03/02/98 (Xxxxxx) #450-8218 XXXXXX, XX 00000 Xxxxxx Xxxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0037 (691) Xxxxxxxxx Credit of Texas, Inc. 0000 X. Xxxxx Xxx., Xxxxx X: 409/823-7137 F:409/775-2428
(BB) 03/02/98 (Brazos) #450-8525 000-X Xxxx Xxxxx
XXXXX, XX 00000
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0039 (692) Xxxxxxxxx Credit of Texas, Inc. 0000 X. Xxxx Xxxx., Xxxxx X: 214/943-8586 F:214/943-8589
(GP) 03/02/98 (Dallas) #450-8222 000 Xxxx Xxxxxxx
XXXXXX, XX 00000
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0040 (693) Xxxxxxxxx Credit of Texas, Inc. 0000 X. Xxxxx Xxxxxx T: 817/926-5955 F:817/926-5532
(GP) 03/02/98 (Tarrant) #450-8219 XXXX XXXXX, XX 00000 Xxxx Xxxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0041 (694) Xxxxxxxxx Credit of Texas, Inc. 0000 Xxxxxxxxx Xxxxx Xxxx T: 817/492-9883 F:817/492-0093
(GP) 03/02/98 dba Southern Finance (Tarrant)#450-8224 XXXX XXXXX, XX 00000 Xxxxxxxx Xxxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0044 (695) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxxx, Xxxxx X T: 254/554-5991 F:254/554-6026
(AM) 03/02/98 (Xxxx) #450-8523 XXXXXXX, XX 00000 Xxxxxx Xxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0045 (696) Xxxxxxxxx Credit of Texas, Inc. 0000-X XxXxxx Xxxx T: 903/234-1314 F:903/234-1357
(TB) 03/02/98 dba Southern Finance (Xxxxx)#450-7879 XXXXXXXX, XX 00000 Xxxxxxx Xxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0047 (698) Xxxxxxxxx Credit of Texas, Inc. 1136 Southwest Military T: 210/927-3924 F:210/927-3927
(BB) 03/02/98 dba Southern Finance (II) Drive Xxxxxx Xxxxxxxxxx
(Bexar) #450-7880 XXX XXXXXXX, XX 00000
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0048 (34) Xxxxxxxxx Credit of Texas, Inc. 0000 Xxxxxx Xxxx, Xxxxx 0 T: 210/657-2767 F:210/657-2798
(BB) 03/02/98 (II) XXX XXXXXXX, XX 00000 Xxxxx Xxxxxx
(Bexar) #450-8221
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0052 (32) Xxxxxxxxx Credit of Texas, Inc. 000 X. Xxxxxxxxxxxx Xxxxxx T: 361/576-0093 F:361/576-0096
(JM) 03/02/98 dba Southern Finance (Victoria)#450-8226 XXXXXXXX, XX 00000 Xxxxx Xxxxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0054 (31) Xxxxxxxxx Credit of Texas, Inc. 000-X Xxxxxx Xxxxxx T: 972/937-2081 F:972/937-2084
(AM) 03/02/98 (Xxxxx) #450-8220 XXXXXXXXXX, XX 00000 Xxxxx Xxxxxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0056 (37) Xxxxxxxxx Credit of Texas, Inc. 000 X. 0xx Xxxxxx T: 956/548-9449 F:956/548-1470
(EE) 06/07/99 (Cameron) #450-R-07878 XXXXXXXXXXX, XX 00000 Xxxxx Xxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0057 (28) Xxxxxxxxx Credit of Texas, Inc. 000-X X. Xxx Xxxxxx T: 940/383-1626 F:940/383-0816
(GP) 05/24/99 (Denton) #450-R-07064 XXXXXX, XX 00000 Xxxx Xxxxx
------------------ ---------------------------------------- --------------------------- ---------------------------------
TX0058 (26) Xxxxxxxxx Credit of Texas, Inc. 0000 X. Xxxxxxxxx Xxxxxx, T: 817/517-5775 F:817/517-5936
(AM) 06/01/99 (Xxxxxxx) #450-R-07881 Ste. J Xxxxx Xxxxx
XXXXXXXX, XX 00000
------------------ ---------------------------------------- --------------------------- ---------------------------------
4
Xxxxxx X. Xxxxx - Director of Supervison for Texas Xxxxx X. Xxxxxx - East Texas District
Xxxxxx X. Xxxxxx - Mid Texas District X. Xxxxx - Central Texas District
Xxxxx X. XxXxx - South Texas District Xxxxxxxxx Xxxxxxx - Texas Valley District
Xxxxx X. Xxxxxx - North Texas District
5
